J.V.D. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €12.42M and a net result of €-894k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 2381 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
63 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€12.42M▼ 6.7%
2024 · €13.32M
2018: €7.32M
2019: €7.69M
2020: €8.50M
2021: €9.38M
2022: €8.99M
2023: €13.56M
2024: €13.32M
2018 → 2025
Net result
€-894k
2024 · €56k
2018: €342k
2019: €367k
2020: €854k
2021: €1.04M
2022: €-273k
2023: €4.79M
2024: €56k
2018 → 2025
Total assets
€25.44M▼ 9.1%
2024 · €27.99M
2018: €11.63M
2019: €11.97M
2020: €14.11M
2021: €16.61M
2022: €16.65M
2023: €24.18M
2024: €27.99M
2018 → 2025
Solvency
48.8%▲ 1.2pp
2024 · 47.6%
2018: 62.9%
2019: 64.2%
2020: 60.2%
2021: 56.5%
2022: 54.0%
2023: 56.1%
2024: 47.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.19M€1.58M▲ 31.9%€1.30M▼ 17.4%
Equity€9.38M-€8.99M▼ 4.2%€13.56M▲ 50.9%€13.32M▼ 1.8%€12.42M▼ 6.7%
Operating result€1.57M-€-166k€6.76M€583k▼ 91.4%€-415k
Net result€1.04M-€-273k€4.79M€56k▼ 98.8%€-894k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €415k after €583k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25.44M
Fixed assets
€7.82M▼ 4.0%
Current assets
€17.63M▼ 11.2%
Equity and liabilities €25.44M
Equity
€12.42M▼ 6.7%
Debt
€13.02M▼ 11.3%
The debt ratio falls from 52.4% to 51.2%. Equity and debt are lower.
Key figures and ratios
Solvency
48.8%▲
2024 · 47.6%
ROE
-7.2%▼
2024 · 0.4%
ROA
-3.5%▼
2024 · 0.2%
Debt
€13.02M▼
2024 · €14.67M
Debt ≤ 1 year
€11.43M▼
2024 · €12.82M
Debt > 1 year
€1.59M▼
2024 · €1.85M
Income taxes
€10k▼
2024 · €77k
Staff costs
€583k▼
2024 · €610k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€27.99M€25.44M▼
Fixed assets21/28€8.14M€7.82M▼
Tangible fixed assets22/27€7.42M€7.09M▼
Land and buildings22€6.64M€6.54M▼
Plant, machinery and equipment23€549k€397k▼
Furniture and vehicles24€224k€153k▼
Financial fixed assets28€725k€725k=
Affiliated companies280/1€725k€725k=
Participating interests280€725k€725k=
Current assets29/58€19.85M€17.63M▼
Stocks and contracts in progress3€4.88M€6.53M▲
Stocks30/36€1.72M€1.65M▼
Work in progress32€80k€89k▲
Goods purchased for resale34€1.62M€1.54M▼
Property held for sale35€20k€20k=
Contracts in progress37€3.16M€4.88M▲
Amounts receivable within one year40/41€12.66M€7.70M▼
Trade receivables40€351k€310k▼
Other amounts receivable41€12.31M€7.39M▼
Cash at bank and in hand54/58€2.28M€3.38M▲
Deferred charges and accrued income490/1€22k€18k▼
Equity and liabilities
Total equity and liabilities10/49€27.99M€25.44M▼
Equity10/15€13.32M€12.42M▼
Contributions10/11€122k€122k=
Reserves13€13.20M€12.30M▼
Non-distributable reserves130/1€12k€12k=
Reserves not available under the articles1311€12k€12k=
Tax-exempt reserves132€13k€13k=
Distributable reserves133€13.17M€12.28M▼
Amounts payable17/49€14.67M€13.02M▼
Amounts payable after more than one year17€1.85M€1.59M▼
Financial debts170/4€1.85M€1.59M▼
Credit institutions173€1.85M€1.59M▼
Amounts payable within one year42/48€12.82M€11.43M▼
Current portion of amounts payable after more than one year42€334k€269k▼
Financial debts43€9.86M€10.03M▲
Credit institutions430/8€9.86M€10.03M▲
Trade debts44€271k€268k▼
Suppliers440/4€271k€268k▼
Advances received on contracts in progress46€14k€14k=
Taxes, remuneration and social security45€1.89M€120k▼
Taxes450/3€1.83M€76k▼
Remuneration and social security454/9€55k€44k▼
Other amounts payable47/48€445k€732k▲
Income statement
Code20242025
Operating income70/76A€2.96M€1.97M▼
Turnover70€1.58M€1.30M▼
Other operating income74€1.37M€616k▼
Non-recurring operating income76A€15k€56k▲
Operating charges60/66A€2.38M€2.39M▲
Goods for resale, raw materials and consumables60€646k€499k▼
Purchases600/8€2.75M€2.15M▼
Change in stocks: decrease (increase)609€-2.10M€-1.65M▲
Services and other goods61€609k€929k▲
Remuneration, social security and pensions62€610k€583k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€487k€354k▼
Other operating charges640/8€29k€25k▼
Operating profit (loss)9901€583k€-415k▼
Financial income75/76B€33k€17k▼
Recurring financial income75€33k€17k▼
Other financial income752/9€33k€17k▼
Financial charges65/66B€485k€486k▲
Recurring financial charges65€485k€486k▲
Debt charges650€463k€455k▼
Other financial charges652/9€22k€31k▲
Profit (loss) for the period before taxes9903€132k€-884k▼
Income taxes67/77€77k€10k▼
Taxes670/3€77k€10k▼
Profit (loss) for the period9904€56k€-894k▼
Profit (loss) for the period to be appropriated9905€56k€-894k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€-894k▼
Transfer from equity791/2€247k€894k▲
From contributions791€247k-
From reserves792-€894k
Profit to be distributed694/7€303k-
Return on contributions (dividend)694€303k-
Social balance
Average headcount (FTE)908711.311.2▼
The notes to these accounts (31 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-894k ▼1708%
Net result drops to €-894k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Back to profitnet €4.79M
Net result €4.79M after one loss-making year.
31-12
Financial
Equity above €10MEq €13.56M ▲50.9%
Equity rises from €8.99M to €13.56M.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 63 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 9 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 3 establishment units since 2001
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Brabantdam 379000 GentGround area
3,416 m²
Building footprint
2,098 m²
Volume, LiDAR
23,692 m³
3 parcels, Flanders · tallest building 24.7 m, ±5 floors. Linked by address, not a title deed.
3 establishment units
Denen 33, 9080 Lochristi
since 20012.093.262.770
J.V.D.
since 20242.366.438.130
J.V.D.
since 20262.387.656.186
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D1769/00C000 | Flanders | 1,876 m² | 1 · 1,848 m² | 24.7 m · 3 fl. |
| 44034B0495/00H000 | Flanders | 1,478 m² | 1 · 188 m² | 10.0 m · 2 fl. |
| 44802B1314/00P000 | Flanders | 62 m² | 1 · 62 m² | 16.4 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 4 entries · 4,116 EUR awarded · 4,295 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,022 EUR | 1,022 EUR |
| 2023 | 2 | 2,371 EUR | 2,550 EUR |
| 2022 | 1 | 723 EUR | 723 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLochristi2.093.262.770
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 5,416 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-04-2001
Fiscal year end31-12
Activities, NACEBEL
01210Crop and animal production, hunting and related service activities
64200Holdings
64210Activities of holding companies
70311
11020Manufacture of beverages
47210Retail sale of fruit and vegetables
47810Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
68310Real estate agency activities
68311Real estate activities
70321
70322
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.